While Colorado is well known for its snowy winters, the summer months can be quite warm. With the number of lakes in the region, owning a boat can be ideal and help you build some great memories. If you would like to purchase a boat and are in the Lakewood, CO area, it would be a good idea to get insurance for it as well. A boat insurance plan in this part of the state can protect a boat owner in various ways. 

Reduce Liability Risks

People in this part of the state will want to get insurance for their boat to reduce their liability risks. There is always a chance that you could cause an accident when driving a boat. If you are at fault in an accident, the costs to cover damages can be significant. If you are insured, you will have financial protection and other support in these situations, reducing your risks. 

Cover Your Boat

It is also a good idea to have boat insurance as it will give coverage for your boat. Insurance coverage for your boat is crucial, like any other major and vital asset. If you choose to invest in a boat insurance plan, it will give support and protection if the boat is stolen or damaged. 

As a boat owner and operator in the Lakewood, CO area, it will be vital that you take your insurance needs seriously. Once you start looking for a plan, calling the team with Colling Insurance Services Inc. can ensure you can select the right policy to cover your boat. Colling Insurance Services Inc. will ensure you understand your options and can build an ideal policy. 

Being adequately insured is vital for anyone in the Lakewood, CO area. When you are in this part of Colorado, you will want to consider your needs and options. A type of coverage all people should consider getting is umbrella insurance. This is a type of coverage that will provide broad personal liability coverage. It is a good idea to get this coverage for various reasons. 

Insurance on Top of Existing Plans

One of the reasons that you should get umbrella coverage is that it will give you coverage on top of your existing plans. Most people get the majority of their insurance support through home and auto plans. While these cover some risks, they will come with a policy cap that only offers support up to a certain level. Umbrella coverage will give additional support on top of those policies. 

Coverage Offers Peace of Mind

Another reason that you will want to have this coverage is to receive peace of mind. There is always a chance that you could be named liable for the losses of another party. While some of these risks are predictable and covered by standard insurance plans, others are harder to prepare for. If you get a proper umbrella plan, you will know that you are prepared for the unexpected. 

Anyone living in the Lakewood, CO area will want to know that they are appropriately insured, and having umbrella coverage is a big part of that. It is crucial that you call someone that you can trust when looking for coverage, and Colling Insurance Services Inc. is a great team to start with. Colling Insurance Services Inc. professionals understand this type of coverage and can help you select an ideal policy. 

There are a lot of insurance needs that the typical person in the Lakewood, CO area should evaluate. One type of insurance that all people should think about getting is long-term care insurance. There are various benefits that come with this type of coverage, which can prove to be very beneficial to policyholders in the future. 

Ensure Access to Care Needed

One of the main advantages of having a long-term care insurance plan is that it can help ensure that you have access to the care you need when necessary. One of the most difficult things to predict as people age is the level of care they will need. While some will be healthy and independent well into old age, others are going to need far more support. Long-term care insurance can help ensure that you are prepared for the unknown.

Reduce Costs

The use of long-term care insurance can also help to drastically reduce your personal expenses for long-term care. Even if you are fully insured by Medicare or another source, you will have to come out of pocket for various forms of care and protection. With long-term care insurance, you will be able to get the appropriate care at much lower out-of-pocket costs. This can be a financial saving for both you and those in your family. 

There are clearly many great reasons to get long-term care insurance when you are in the Lakewood, CO area. If you are evaluating your insurance options and need guidance, speaking with the professionals at Colling Insurance Services Inc. can be beneficial. If you are looking for coverage for your long-term care needs, Colling Insurance Services Inc. can help you evaluate your situation and pick a plan that properly meets your needs. 

Lakewood, CO residents are always going to have various personal insurance needs. While it is important to get liability risk support and protect your most important assets, having life insurance is also a necessity. There are various reasons why someone in this area of the state should obtain a life insurance plan.

Offer Financial Protection for Dependents

The primary advantage that comes with getting a proper life insurance plan is that you can offer financial protection for your dependents. When there are people that rely on you financially, ensuring they are cared for is important. If you get life insurance, you can build a plan that will ensure their expenses are covered if you were to pass away unexpectedly. 

Investment Alternative

Many people today will also use a life insurance plan as an investment alternative. Finding a way to diversify your investments and reduce risk is always beneficial. With a whole life insurance plan, you will earn investment income on top of the insurance benefit. Each month, some of your payment builds in an account that you can eventually convert to cash. This will grow with interest as well, which can make it a safe addition to a personal investment plan. 

As you are looking for a new life insurance plan in the Lakewood, CO area, you can quickly find that there are a lot of decisions to be made. As picking the right plan is very important, you will want to be selective and speak with someone that you can trust. The team with Colling Insurance Services Inc. has helped people in this region choose the plan that is ideal and meets their needs. Colling Insurance Services Inc. can help ensure that you understand all of your options and are able to get into a plan that offers proper coverage. 

Many people don’t want to have to spend any more money than they have to. They cut back wherever they can, to ensure that they have enough money to get them through the weeks. One place they may cut back on is their health insurance.

However, that can be a mistake. Here are some reasons why you need to have health insurance. 

You are more likely to stay healthy when you have health insurance. You will have to pay little, if anything, to visit the doctor for your yearly checkup and vaccinations. 

It is also there to protect you if you get sick or injured. If you have to go to the urgent care or emergency room for any reason, you could be looking at hundreds of dollars. If you need to stay in the hospital, your bill could cost you a few thousand.

If you need surgery, it would be even worse. By having insurance, you can get the care that you need, without worrying about the cost of your treatment. You don’t want to get into an accident, and then have to figure out what you can afford to do. You are going to want to get the care that you need. 

Skipping health insurance may save you money, but it won’t in the long run. You will be less likely to go to the doctor regularly and keep up-to-date with your vaccinations. You also may find yourself in trouble if you get hurt. You may have to choose the treatment depending on the cost. 

If you are unsure about how much health insurance you need, don’t hesitate to contact us today at Colling Insurance Services Inc. We are located in Lakewood, CO and would be happy to sit down with you. 

Most people try to save money when it comes to their health insurance. Though they get some insurance, they often skip dental insurance due to the cost. 

However, that could be a mistake. Here are some reasons why you need dental insurance. 

Most dental problems can’t be seen by the naked eye. No matter how much brushing and flossing you do, routine dental care is essential to make sure that your mouth is as healthy as possible. Regular cleanings and checkups will ensure that you don’t have any cavities or other hidden problems. 

If left untreated, dental disease can affect the rest of your body. Dental disease can affect your heart and other organs if left untreated. Some infections in your mouth could be affected by what is going on with your body, so your dentist may be able to catch some diseases early, such as diabetes and osteoporosis. 

You can get the treatment that you need, without worrying about the cost. If you need dental treatment, it can cost you a few thousand dollars. If you get injured and have problems with your teeth, such as pain or a broken tooth, you may not be able to afford to get them taken care of. With insurance, you can! 

Though you may want to save some money, if you are going to the dentist, you are going to want to have some sort of insurance. Otherwise, you may not get the preventative care and treatments that you may need, due to the cost. You also won’t have the healthy and beautiful smile that you deserve. 

If you need help figuring out how much insurance you need, don’t hesitate to contact us at Colling Insurance Services Inc. in Lakewood, CO. 

Workers’ compensation is a state-mandated type of coverage that provides benefits to employees who suffer work-related illnesses or injuries. It consists of payments required by law to be made to employees who got injured while on the job. Every state has its own workers’ compensation program for employees. Colling Insurance Services Inc. serving clients in Lakewood, CO has prepared a list of benefits of workers’ compensation insurance. 

What Are The Benefits Of Workers’ Compensation Insurance?

Workers’ compensation is beneficial for both employees and employers. Here is a list of its benefits:

• It covers accidents and other work-related medical issues.  If an accident happens on the job and an employee gets injured, workers’ compensation insurance covers the employee’s medical expenses and bills that can be quite high. 
• It prevents lawsuits. If an employer provides workers’ compensation benefits, employees are not allowed to bring lawsuits against the employer for job-related injuries. 
• Financial benefits for employers. By providing workers’ compensation insurance, an employer avoids having to pay fines if an accident happens and an employee gets injured while on duty. One of the main purposes of workers’ compensation is to protect employers from direct lawsuits and eliminate the risk of high fees. 
• Protection for employees. Workers’ compensation insurance is needed for creating a safer working environment for employees. As a result, a safe environment helps employers save on the costs of workers’ compensation. 

Colling Insurance Services Inc. – Trustworthy Insurance Company in Colorado 

If you are a business owner operating your business in Lakewood, CO or any other nearby town, and you are thinking of getting workers’ compensation insurance to protect your employees and yourself, our insurance company is ready to help you. Feel free to visit our website where you can find more information or give us a call. 

In the Lakewood, CO area, local residents enjoy heading to the local foothills and mountain ranges to enjoy the outdoors. When you are looking to maximize your experience here, having your own recreational toy can be a great option. As you are looking to get a recreational toy, you should also spend time figuring out your insurance needs. A toy insurance plan will offer several types of coverage that can be quite beneficial. 

Coverage for Asset

A form of protection that you will get with your toy insurance plan is coverage for your asset. A recreational toy can be a big purchase and is one that you will want to enjoy for a long time. If you are involved in an accident or it is stolen, having toy insurance will prove to be very valuable and helpful. This coverage will provide the support needed to repair or replace the asset.

Liability Protection

If you get toy insurance, you also can get liability protection. Anyone that is going to operate a recreational toy is going to take on a risk that they could cause damages in an accident. If you do cause damages, you will have to pay restitution to the other party. A toy insurance plan will offer the support needed to cover any damages that could be caused. 

As you are evaluating your toy insurance needs in the Lakewood, CO area, you can find there are various choices to make. If you are assessing your insurance needs here, you should call Colling Insurance Services Inc. When you speak with the team at Colling Insurance Services Inc., you can learn more about the various options and how it can protect you. Ultimately, this will help to ensure your toy is covered and you have liability support. 

Colling Insurance Services Inc. assists the Lakewood, CO community and the surrounding areas. We are an independent insurance agency. For over 50 years, we have helped our clients find policies to protect their assets. We work closely with multiple carriers throughout the Pacific Northwest. Providing excellent customer service is a priority.

RV Insurance Myths Revealed

RV insurance protects your vehicle as you travel around Lakewood, CO and explore other areas. You are covered if your RV is damaged in a collision with an object. You’re also covered if your RV is stolen or vandalized. Liability coverage protects you if your vehicle accidentally causes damage to another object or injures someone. You can amend your policy to add extra coverage such as towing service or emergency roadside assistance. While researching coverage, avoid these common RV insurance myths.

I Can Rely On Auto Insurance

There are clear differences between auto and RV insurance. Operating your RV exposes you to different risks compared to an automobile. RV insurance is the only way to protect your asset in every situation.

RV Insurance Is The Same

This is incorrect, as there are multiple types of recreational vehicles. Some RVs have travel trailers, while others act as motor homes because they are equipped with bedrooms, kitchens, and bathrooms. Your RV insurance will be tailored to the unique features of the vehicle. Every policy is different.

Home Insurance Covers My Personal Items

Many people make the mistake of thinking that their home insurance coverage protects the personal items they store in their RV while it’s parked. This is incorrect, as you will need RV insurance to cover any stolen or vandalized items inside your vehicle.

Colling Insurance Services Inc. Will Help You Protect Your Assets

Visit our website to learn more information about RV insurance.